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This is a late stage cause. There are also many early stage causes.

"Shepherds, Merchants, and Credit: Some Observations on Lending Practices in Ur III Mesopotamia" https://www.jstor.org/stable/25165020

Late stage, huh?

How long do you think that humans have existed?

Depends on what humans we're talking about. 200k years, if we talk Homo Sapiens.